Published decisions
321
Firm-specific decision volume in the public corpus
Firm analysis
A public analysis page covering published Financial Ombudsman decisions involving Oakbrook Finance Limited, including outcome context, product mix, complaint themes, and representative cases.
Page summary
321 published decisions involving Oakbrook Finance Limited, with product mix, upheld-rate context, complaint themes, precedent signals, and representative cases.
Published decisions
321
Firm-specific decision volume in the public corpus
Upheld rate
18.4%
59 upheld decisions
Latest published decision 02 Feb 2026
Published decisions
321
Firm-specific decision volume in the public corpus
Upheld rate
18.4%
59 upheld decisions
Leading product
Consumer Credit
268 decisions
Leading complaint theme
Affordability Assessment Failure
146 tagged decisions
Oakbrook Finance Limited appears in 321 published decisions in this corpus. 18.4% of those decisions were upheld, which gives a public view of how often complaints involving this firm ended in a fully upheld outcome in the final published set.
Consumer Credit is the firm’s clearest product exposure in the published decisions, with 268 decisions and an upheld rate of 18.3%.
Oakbrook Finance Limited's decision trail runs from 2014 to 2026. That range gives enough public history to see whether complaint exposure has been broad-based or concentrated into certain years.
In the latest year represented here, Oakbrook Finance Limited appeared in 1 published decisions with an upheld rate of 0.0%.
Affordability Assessment Failure is the strongest complaint-theme signal tied to Oakbrook Finance Limited in the published decisions. In this corpus, those themes are the most stable public proxy for complaint “type”.
Consumer Credit Act 1974, Section 140a Cca, Conc, and others are the most visible precedent signals in the firm’s published decisions. That gives extra context on the rules and fairness arguments appearing most often around the firm.
Representative cases
5 examples shown
It’s my final decision that I don’t uphold this complaint against Oakbrook Finance Limited, for the reasons explained above Under the rules of the Financial Ombudsman Service, I’m required to ask Mr J to accept or reject my decision before 2 March 2026. David Barker Ombudsman
View source decisionDRN-5911902 The complaint Mr H complains that Oakbrook Finance Limited trading as Oakbrook lent irresponsibly when it approved two loan applications he made. What happened Mr H applied for two loans with Oakbrook as follows: Loan Date Principal amount interest added date settled Loan ... (3 pages)
View source decisionDRN-5911742 The complaint Miss J complains that OAKBROOK FINANCE LIMITED trading as Finio Loans (‘Oakbrook’) was irresponsible in its lending to her. She wants all interest and charges on her loan refunded and any adverse information removed from her credit file. What happened Miss J’s ... (3 pages)
View source decisionDRN-5926572 The complaint Mrs C complains Oakbrook Finance Limited (Oakbrook) failed to carry out thorough enough financial checks before it approved a loan for her. What happened Mrs C says Oakbrook approved a loan for £2,000 in July 2025 but it had relied on a higher level of income t... (3 pages)
View source decisionDRN-5785880 The complaint Mr M complains Oakbrook Finance Limited trading as Finio Loans (Finio) incorrectly set up a payment plan and recorded adverse information on his credit file. What happened The background to this complaint is well known to both parties, so I won’t repeat it at ... (2 pages)
View source decision